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Under 45 years old?

It’s never too early to start your retirement planning, and if you’re under 45 years old, the chances are you’ll already have a couple of small pension pots through your employers. As your personal circumstances change, your future plans may alter, so it’s important to make sure that your pension policies are working as hard as possible.

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Key considerations at this life stage


The earlier you start saving into your pension, the easier it is to achieve your desired future lifestyle. Although retirement may seem a long time away, paying in smaller amounts over a longer period makes it easier to enjoy your lifestyle and plan for the future.


Pension policy service charges can differ between policy providers. Older policies can be inflexible, and we've seen annual charges in the region of 5.3% which can affect the value of your Pension A regular Pension HealthCheck may be able to reduce your service fees and extend the life of your pension.


The longer you have to build up your Pension pot, the more adventurous investment strategy you could implement. While a bold approach is not suitable for everyone, potentially, more adventurous investments offer greater returns into your pension funds, but they also run the risk of losing value. As retirement may be a long time away, a more adventurous strategy may be adopted for a longer-term approach allowing you to recover any short-term losses potentially.

How can Pension Works help you?

As you climb the career ladder, it's likely that some businesses that employed you had different Pension Policies that you paid into. Pension Works can find, and HealthCheck your current policies, offering to advise on how they are performing and if necessary offer alternative options for your consideration.

As impartial, independent financial advisers, Pension Works will complete a full fact find including an attitude to risk profile regarding your current and future retirement plans. We do this to understand your retirement goals and provide an independent report to you. The fact find may help with your current financial planning as well as your pension provision.

Planning for your retirement earlier can help you achieve your desired future lifestyle. Pension Works will deliver an outlook on what you could expect from your current policy(s) and if there are suitable pension policies that could improve this.

What life stage you're at matters

As you progress through your working career, your life stage can have a profound effect on your future retirement and pension provision. Generally, people's plans and attitudes change as they get older and your pension policy should reflect this.

Find out more
  • Free Pension Check Form

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